Anonymous

Set up arrangements

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Someone called me a mail and said I don't care what you told the other people you have to pay more or your car will get repo. Customer service very rude.
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Reason of review:
Poor customer service
Akera Mbb

LOOK AT YOUR STATEMENTS!!! Worse Customer Service and Ripoff

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I just finished paying off my 2006 Jeep Liberty, which I bought used in about 2010. So through life's trials and tribulations I finally managed to get it paid off.

They were helpful through those tough times. HOWEVER!! Now that the car is paid off, they need a lesson in math. When I thought I was paying it off, I went online to check to make sure that the balance read $0 (and for gratification!) and it showed a balance of $4.25.

I kinda thought this was for interest that had accrued but it also showed a 10 day pay off and a 20 day pay off, which i feel is irrelevant considering I was not paying it off. It was already paid off. Now I called a few weeks prior to see about getting the balance lowered for paying it off EARLY. She said no that balance was what the current balance showed.

I said okay and decided to pay what was due. A few days later I went ahead and made another payment to pay it off which should have gone directly to the principal. After what i thought was the final payment they tried to tell me it was a 10 day pay off that I INQUIRED about a few weeks ago. NOW, let me add I chose to go Paperless!

Okay. Now, If i go paperless and I get an email reminder that my bill is ready, that says pay your bill. Correct? So not opening the emailed statement, I pay the bill online.

Now one would assume that as generic as the online options are it would include EVERYTHING (late fees, Insufficient funds fees, interest, etc). So when I make my payment online and it accepts my payment and it also shows that my account is current, I assume everything is OK! I am here to tell you people, its not. That online info does not reflect everything that is on the statement.

When I asked about the breakdown of what they said I owed which was like $59 they said it was from late fees (from when? they refused to answer the question), Insuffiecient Funds fees ( almost 1.5 yrs ago when I switched bank accounts), and interest! On top of the fact that the online information does not match the statement, it does not match what THEY are looking at on their computer, nor does it match when it was talking to me on the phone versus what the online information was reading, The office address for this state, does not exist. Then looking at the statement corporate is supposedly in NC on the payment portion of the statement and the to of the statement shows an address in birmingham, AL.

With the amount of money they got out of me, which will never happen again, you thought they would have said, "ma'am, we appreciate your business, we are going to go ahead and take care of the $59 for you, blah blah, blah" But rest assured people you will never, ever hear that come from them. DO NOT do business with these people!

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Cons:
  • Lack of listening skills
  • Payoff amount
  • Poor customer service
Reason of review:
Poor customer service

Preferred solution: Price reduction

Anonymous

*** off

Paying 30,000 for 2015 lancer was sold at 19,000 price. Trader in 2011 galient owed 11,000 iam sure we are still paying for that car. My son and i have payed 15,000 on car still owing 18,000 cant trade in nor has he missed a payment. Clay Cooley and his sale team also his finace company took advantage of us and many more ppl Please contact us..
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Reason of review:
Problems with payment
Anonymous

Regional Acceptance - Customer Care Review

Rude manager, bullying, trying to intimidate, making claims that are not true. Calls are recorded, I'm so disgusted with this company, will be consulting an attorney and filing complaints with as many agencies as possible. Terrible company,even the dealership stated Regionals intent is to keep offering extensions so the loan/ interest stays very high. Rate very high 21%, makes it impossible to get the principal down. Stay clear of them!
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Reason of review:
Poor customer service
5 comments
Guest

YOU DON'T KNOW WHAT YOU'RE TALKING ABOUT!

The interest rate is determined by YOUR credit worthiness. It was YOU who developed a reputation of not paying YOUR bills on time.

Thus, YOU did not qualify for a lower APR bank loan. If YOU didn't want to be placed with a subprime lender, then YOU should have paid YOUR bills on time. Secondly, YOU have NO KNOWLEDGE of what "amortization" is. ALL auto loans and many other types follow an amortization schedule in which more money is applied to interest in the beginning of a loan.

This is STANDARD!!! That's what makes it hugely funny! By the end of the loan, all the interest and all the principle is paid down to zero!

There's no "ah hah" moment here where you think you "caught" them doing something wrong! Looks like you'll need to find some other reason to nitpick them because you just can't stand the consequences your husband brought upon himself for his failure to pay on time!

Guest
reply icon Replying to comment of Guest-1319012

21 %,is not standard for a car loan you moran! This company rips people off

Guest
reply icon Replying to comment of Guest-1337298

21% and higher is the APR for you people who have given yourselves a documented and verified track record of NOT paying YOUR bills on time! If you think the APR is too high, just go to any bank and apply for a loan to pay them off!

Oh, I see...none of the banks will touch you with a ten foot pole because of YOUR reputation of NOT paying YOUR bills! No, I don't work for them!

Guest
reply icon Replying to comment of Guest-1339627

Yeah you do quit lying

Guest
reply icon Replying to comment of Guest-1339627

High interest rates like this are also given to people who don't have much credit built up yet regardless of the score, AKA young people who may be in a bind for a vehicle. So there's that.

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Niel Tdy

Regional Acceptance - Auto Loan Review

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I authorized a payment of $1207 on February 23, 2017 and on march 1, 2017 they withdrew $1775 out of my bank account, leaving me no money to get my kids food. They previously told me I was $639 behind plus my march payment of $568 would make a total of $1207. So I authorized that amount only to have them take out more. They are now trying to claim I was $1207 BEHIND so they took out an extra payment of $568 for march to be $1775. This was extremely wrong and I have bank statements to prove I was only $639 behind and had been paying each month.
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Reason of review:
Problems with payment
Anonymous
map-marker Virginia Beach, Virginia

Terrible Service

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I got a car loan from Regional Acceptance 03/2007. My finance rate was 16.9%.

The car was priced at $18,995. My payment was $436 per month. Do you want to know how long it took me to pay this car off? 6 years.....

I ended up paying over $30,000 for the car. Robbery is what I call it. How can they do that to people? I went to the credit union to get a car loan and was told that Regional Acceptance put a 90 day late payment on my credit in 2007, can you believe they will not remove it.

The car has been paid off so why would they not remove it.

I would not recommend anyone to get a loan from them. If you have a had time, they will make you pay for it.

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Pros:
  • Easy online payment process
Cons:
  • Way they keep call me
  • Car loan
  • Overcharged loans
Reason of review:
Poor customer service

Preferred solution: Remove incorrect information from my credit report

2 comments
Guest

@anonymous paying for the car twice is not because of the late payments it's the bank I guess common sense isn't so common. It's just robbery. Get a clue and a job application ***.

Guest

WHY???

It's all because YOU paid late!

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Shem Xpf

Short Review on February&nbs-05:00;28,&nbs-05:00;2017

Please call cindy hopkins at 708517****
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Anonymous

Regional Acceptance Auto Loan Review

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In 2015 my son and bought a 2016 lancer from clay cooley in arlington tex 19,000 or more payed 540 a month some one switch us over to regional we. At point we owe 18,994 had a five yrs term to pay this out ragous
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Reason of review:
Problems with payment
Anonymous

Regional Acceptance Auto Financing Review

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Trued to get my original signed contract with no response
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Reason of review:
Poor customer service
Nelle Wlf
map-marker Coraopolis, Pennsylvania

Regional Acceptance: Bets on Customer Failure

How would one go about being a part of a class action against Regional Acceptance Corporation? I am not even sure, since I stupidly signed a contract 4 years ago--with 19,000 more to pay!!! For a...Range Rover, a Mercedes? Oh no- A 2012 F Fusion. I believe this is a corporation who bets on it's customers to fail. Perhaps those of us were in a situation where we needed a car, and were told without the best credit-or were upside down on a car loan "If you pay the loan on time, your credit score will rise" This has not occurred with me -in fact -it has literally dropped 42 points since I signed the papers for what I see now as a rent a car. I have paid for the car 3 times over at its Kelly Blue Book Value. The payment is 500.00 per month. My income has decreased to 1097 per month (SSD). I have asked RAC if the payments could be lowered, refinanced so to speak. I was given three phone numbers to try to refinance the vehicle, and I was turned down. I am starving-because of this car- unless I hit the lottery (which I do not play, I have no money to) what does one do? Pay on the car forever? Why do companies like this exist? They just trap people like me in poverty, could care less, totally want the car back-and it is sickening. Generally speaking- if a person with a 640 credit score, bought a car and paid it off in 4 yrs time (even w a finance charge) the person could A. buy a new car, B. keep the car and not have a car payment!!, C. would have a better credit score!!! I am mad, as I did what was right, paid on time, and want this entire debt paid off as it should be. Not even registered with BBB (oh my was I ***)!!!! If there is anyone out there considering financing an auto loan with RAC-please do your research and read the contract carefully. Take someone with you, before you sign the papers. Read the exact amount you will have to pay. This number was not pointed out to me at the dealer, and I signed the paper. The number the dealer pointed out repeatedly was the car price. In my mind, I was thinking, okay 22,000 for a F Fusion is outrageous but I will have an excellent credit score once this is all over, (was told as much) and will actually have a choice in the matter as aforementioned. However, in my case-this is not what is happening. I have 19,000 more to go, and 18 months to pay. So how does that work? Please, if you are in a bind-there is always another way. There was for me, but I chose wrong. Even if we cant see it at the time, there is always a choice, and if you are a person who is desperate like I was, and have a credit score in the 600's (like I did) try your hardest to find another way. And read the complaints, there are 1000's when I had already bought the car--is when I saw the complaints. After the fact. Sometimes when our choices are so limited, are anxiety is so high-we choose wrong. Help!!!!!!!!!!!
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Loss:
$19000
Reason of review:
Not as described/ advertised

Preferred solution: Full refund

4 comments
Guest

How did this net out for you? I'm in the same situation.

I've been paying on a car for 4 years and I still owe $19K. The loan was for $2OK.

I am surrending the vehicle. I'm done but not sure what will happen next.

Guest

HERE'S HOW DUMB THAT IS!!!

The lender makes the MOST MONEY when ALL the payments are made and as such, they collect ALL the interest built into the deal! I mean, how more obvious can it be?

You deadbeats just don't have the brain matter, do you? "Unfurnished apartment for rent upstairs!" The APR is completely determined by YOUR credit risk. Since you whining deadbeats have already developed a reputation for not paying your bills, you don't qualify for a lower APR bank loan! YOU brought this upon YOURSELF!

Again, that's very obvious! I've said it before and I'll say it again, I'm impressed!

Guest

Tell me what we have to do to file this class action law suit I'm with you 100 percent.

Guest

I was just thinking about looking into that myself.

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Anonymous
map-marker Raleigh, North Carolina

Horrible all around! DO NOT FINANCE WITH THEM!!!

Worst company ever. I have asked to refinance my car for lower payments and so they say they don't offer refinancing but they have other companies that do that they work with.

I'm waiting to see what they say about me removing my gap insurance. I have talked to other banks for refinancing but the amount I owe on the car is more than what it is worth. I will never again finance through them and I highly recommend others to look elsewhere.

Also they call you the day your payment is due and every day after like you don't know it is due. I have received about 20 to 30 calls a day from them.

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Loss:
$7000
Reason of review:
Pricing issue

Preferred solution: Reduce my loan so I can refinance the vehicle

2 comments
Guest

The super wimpy "Anonymous" person commenting on every complaint appears to be a representative from Regional Acceptance Corporation. Regional Acceptance Corporation is a company with fraudulent practices plain and simply.

The truth about this company will be revealed as attorney generals throughout the country investigate. For those that were wronged by this company, be patient, your day of vindication is coming.

Guest

This is probably way beyond your capacity to understand but I'll try anyway. When you pay on time, they never call!

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Lakeasha Hwf
map-marker Lake Zurich, Illinois

Unlawfully puts charge offs /late payments on credit

My daughters car was pay off in bankrupty (she paid full price owed) after it was paid off, they turned around and put late fees and chrage off on MY ss#. for full price of the note! NEVER,NEVER use this company. They are nothing but a scam!! You Never pay them off, they just keep adding bull *** to your loan and say" well there's nothing we can do now". They enjoy ruining peoples lives, just laugh. Surprised they can even sleep at night. Takes a special kind of low person to work there I guess. Hope someone does them the same way some day.
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Loss:
$19000
Cons:
  • Very rude and impolite customer service
Reason of review:
Lie and cheat there customers
Anonymous
map-marker Richmond, Virginia

Regional acceptance

RAC has beyond horrible customer service. Simple 1+1 math can't even be conducted. Don't ask questions because you won't get a straight answer. Simply asked if I could pay more than the monthly amount and was quickly told NO. I implore everyone that once the account is paid to never conduct business with this company again. Can't even pay more than the monthly amount, which suites them fine since the less you pay the more MONEY they get to keep. Value City has loss a customer since this is the financial company they choose to do business with. GREED has cost other companies to go out of business so if RAC goes out of business then that will be VERY GOOD NEWS.
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Cons:
  • Way they keep call me
  • Attitude of service people
  • Very rude and impolite customer service
Reason of review:
Poor customer service
1 comment
Guest

They ant turn you down if you wanted to pay more or even double up that's against the law do t let them do that to you pursue action

Anonymous

Regional Acceptance Auto Loan Review

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I bought a car in 2008 and paid 19,000 and my payments were 450 for 7 years. At the end of that loan they came and said I owed all these other charges which I have been paying 350 a month for 2 years. Wonder what they will say I owe after this. Never get a loan from these people. You will never get it paid off. How can they continue to do poor people this way and continue to take our money.
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Reason of review:
Problems with payment
Railey Lap
map-marker Lehigh Acres, Florida

Worst nightmare financial company

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I FEEL I WAS WRONFULL WITH THE FINANCING CONTRACT I BROUTH A CAR 2011 NISSAN JUKE TURBO FOR 16,000 2 AND HALF YEARS AGO I TOLD THEM WE AHERE GOING TO PAY IF OFF ON DECEMBER OF 2015 WHEN WE CALL TO PAY OFF WE RECIEVE THE WORST NIGHTMARE THAT WE HAD TO PAY OF THE FULL INTERESET AS WELL WHIGH SUM OUT TO 41,000 AT THE MOMENT MY PAYOFF IS 8,000 BUT THE WANT ME TO PAYOFF 12,000 IN INTERESET WHICH IT IS CRAZY ADDING A SUM OF 20,000 THIS IS CRAZY 95% OF OUR POPULATION DONT READ THE ENTIRE CONTRACT OF THE DEAL DUE TO SO MANY PAPERS TO SIGN THEY EXPLAIN TO YOU PAGE BY PAGE AND THEN YOU COME OUT WITH THESE SUPRISE I TRIED TO TRADE IN MY CAR TO LOWER PAYMENT I PAY 519.00 A MONTH AND NO ONE WANTS TO ACCEPT MY TRADE IF I DONT GIVE THEM 6 TO 8 THOUSAND DOWN WHIGH I DONT HAVE I NEED HELP AND DONT NO WHERE TO START MY NAME IS BEATRIS RAMOS MY NUMBER IS 239-601-**** AND E MAIL IS ADJJCJEKIDS@***.COM

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Loss:
$21000
Cons:
  • Payoff amount
Reason of review:
Not as described/ advertised

Preferred solution: Let the company propose a solution

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